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Why Builders Choose Blanket Coverage

Automatic Coverage

Every eligible start is automatically covered throughout the policy term.

Zero Monthly Reporting

No monthly reporting. No reporting new starts as construction begins.

One Annual Audit

Estimate your activity upfront. Reconcile actual construction activity once at audit.

Is Blanket Coverage Right For You?

Blanket Coverage is not about replacing Annual Reporting. It's about choosing the coverage structure that fits how you want to manage your business.

Choose Annual Reporting If:

  • You want the lowest upfront premium commitment
  • You prefer a pay as you build structure
  • You like managing projects through the EZBuild portal
With EZBuild Annual Reporting, you can report starts online, generate EPI instantly, extend coverage online, and manage your projects through our self service platform.

Choose Blanket Coverage If:

  • You want automatic coverage for eligible starts
  • You do not want to manage monthly or project by project reporting
  • You value simplicity, convenience, and peace of mind
Blanket Coverage gives you automatic protection for your eligible projects without the ongoing reporting.

Choose Your EZBuild Blanket Option

Traditional Blanket Policy

Built for Simplicity

Every eligible start is automatically covered. No monthly reporting. One annual audit.

HOW IT WORKS

Working Deposit

Existing Inventory(12 Month Exposure)

+

Future New Starts(12 Month Exposure)

=

Working Deposit

Annual Audit

Actual Inventory(12 Month Exposure)

+

Actual New Starts(12 Month Exposure)

=

Final Premium

Every new start is treated as a full 12 month exposure regardless of actual construction time.

Best For:

  • Builders who value simplicity
  • Builders who want predictable administration
  • Builders who never want to worry about reporting starts
  • Builders looking for straightforward blanket coverage
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Easy Build Blanket Policy

Built for Efficiency

Everything included in the Blanket Policy plus a more efficient structure that recognizes how you build.

Available to builders with at least $1,750,000 in annual insured values from new construction starts

HOW IT WORKS

Working Deposit

Inventory*(12 Month Exposure)

+

Future New Starts(Average Construction Cycle)

=

Working Deposit

Annual Audit

Inventory*(12 Month Exposure)

+

Actual New Starts(Actual Construction Time)

=

Final Premium

*Existing and actual inventory are subject to underwriting review and applicable underwriting guidelines.

Recognizes average construction cycle for new starts and allows new start exposure to be prorated (minimum 6 months estimated premium).

Best For:

  • Builders who qualify
  • Builders focused on cash flow efficiency
  • Builders seeking the simplicity of blanket coverage with a more efficient premium structure
  • Builders whose new starts are typically completed in less than 12 months
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Included With Both Blanket Policies

Automatic coverage for eligible starts

Zero monthly reporting

One annual audit

80% minimum earned premium

$5,000,000 catastrophic limit

Coverage designed specifically for residential builders

Not Sure Which Option Fits?

Not Sure Which Option Fits?

Our Builders Risk Team can help determine whether Annual Reporting, Traditional Blanket, or Easy Build Blanket is the right fit for your business.

Fast. Easy. Built for Builders.

Talk To Our Team